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Faktor yang Mempengaruhi Pertumbuhan Ekonomi Indonesia dengan Pendapatan Perkapita melalui Variabel Intervening Vinka, Annisa; Sa'adati, Nila
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 7 No. 2 (2023)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol7.i2/13547

Abstract

This study aims to determine how the Effect of Investment, Labor Absorbers, and Zakat on Economic Growth with Per Capita Income as an Intervening Variable in Indonesia (2012-2022 Period). This study used quantitative methods with secondary data obtained through the website of related agencies. Data processing using the Eviews 9 application. Based on data analysis, it is produced that investment has a significant positive effect on economic growth, employment has a positive insignificant effect on economic growth, zakat has a positive insignificant effect on economic growth, per capita income has a negative insignificant effect on economic growth. Using the sobel test, it was produced that there is an intervening influence of investment variables on economic growth through per capita income, there is an intervening influence of labor absorption variables on economic growth through per capita income, there is no intervening influence of zakat variables on economic growth through per capita income. Simultaneously, all variables have a positive and significant effect on economic growth.
Analysis of factors affecting Murabaha Financing with third party funds as a moderating variable Arfionita, Asyifa Nur; Sa'adati, Nila
Islamic Accounting Journal Vol 3, No 2 (2023): Islamic Accounting Journal
Publisher : UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/iaj.v3i2.56-67

Abstract

The purpose of this study was to determine the results of the analysis of the effect of Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), and Operational Expenses on Operating Income (BOPO) on Murabahah Financing with Third Party Funds (DPK) as Moderating Variables in Islamic Commercial Banks. 2016-2020 period. This research is a quantitative research using secondary data obtained from the financial statements of each bank on their official website. By using 12 samples of Islamic commercial banks in the 2016-2020 period. The test results show that BOPO has a positive and significant effect on murabahah financing. Meanwhile, FDR and CAR have no effect on murabahah financing. And based on the results of the MRA test, it shows that DPK is not able to moderate the effect of FDR, CAR, BOPO on murabahah financing.